Form And Contents Of Insurance Policies

  1. Law
  2. South Dakota Codified Laws
  3. Insurance
  4. Form And Contents Of Insurance Policies

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Section
58-11-1

Premium defined.

Section
58-11-2

Contents of policy.

Section
58-11-3

Statement of basis and rates for determination of premium included in policy.

Section
58-11-4

Contents of policy--Exemption of surety contracts or group insurance policies.

Section
58-11-5

Standard or uniform provisions of insurance contracts--Waiver of required use by director.

Section
58-11-6

Policy not to contain provisions inconsistent with standard or uniform provisions--Substitute provision, approval by director.

Section
58-11-7

Substitute provisions required by law of domicile of foreign or alien insurer, approval by director.

Section
58-11-8

Assessable policies--Special contents.

Section
58-11-9

Motor vehicle insurance--Uninsured motorist and hit-and-run coverage--Amount of coverage--Uninsured motorist coverage not required for government owned vehicles.

Section
58-11-9.1

Motor vehicle insured by insolvent liability insurer defined as uninsured--Rights of insurer making payment under uninsured motorist coverage.

Section
58-11-9.2

Notice required when automobile policy does not include liability insurance.

Section
58-11-9.3

Exclusion of named person or reduction of coverage in motor vehicle policy--Minimum liability coverage.

Section
58-11-9.4

Underinsured motorist coverage to be available with liability policies--Limitation of coverage--Exception.

Section
58-11-9.5

Payment to insured for portion of judgment not collected from underinsured motorist--Coverage limits.

Section
58-11-9.6

Subrogation of insurer--Assignment of judgment--Liability issuer allowed to pay limits under policy.

Section
58-11-9.7

Adding of insured's uninsured and underinsured motorist coverage limits prohibited--Exception.

Section
58-11-9.8

Adding of uninsured motorist coverage limits for multiple vehicles prohibited.

Section
58-11-9.9

Adding of underinsured motorist coverage limits for multiple vehicles prohibited.

Section
58-11-9.10

Increase in automobile insurance premiums due to drug-related offenses prohibited.

Section
58-11-9.11

Increase in automobile insurance premiums due to certain alcohol-related offenses by a minor prohibited.

Section
58-11-10

Additional policy provisions--Approval of director.

Section
58-11-11

Charter and bylaws, inclusion as part of contract of insurance--Subscriber's agreement or power of attorney of a reciprocal insurer as part of contract.

Section
58-11-12

Policy forms--Filing with and approval by director--Group policy certificates filed for informational purposes.

Section
58-11-13

Policies exempt from form provisions.

Section
58-11-14

Continuation of use of prior filings until otherwise prescribed.

Section
58-11-15

Order of director exempting insurance documents from requirements as to form.

Section
58-11-16

Property, marine and transportation, casualty and surety insurance coverages--Filing of forms by rating organizations.

Section
58-11-17

Time for filing of forms--Approval or disapproval by director.

Section
58-11-18

Extension of time for approval or disapproval of filing by director--Notice to insurer--Approval at expiration of extended period.

Section
58-11-19

Withdrawal of approval of form by director--Notice.

Section
58-11-20

Order of director disapproving form or withdrawing previous approval--Detailed statement of grounds.

Section
58-11-21

Grounds for disapproval of form or withdrawal of previous approval.

Section
58-11-22

Identification of contracts issued and forms filed with director--Change in form.

Section
58-11-23

Execution of policy by authorized representative of insurer.

Section
58-11-24

Facsimile signature used on policy.

Section
58-11-25

Unauthorized facsimile signature does not invalidate policy--Estoppel by issuance of surety bond with facsimile signature.

Section
58-11-26

Underwriters' policy--Joint and several liability--True name of insurer.

Section
58-11-27

Combination policy--Contents.

Section
58-11-28

Underwriters' and combination policies provisions do not apply to cosurety obligations.

Section
58-11-29

Binders or other contracts for temporary insurance--Terms--Fraudulent statement as misdemeanor.

Section
58-11-30

Duration of binder.

Section
58-11-31

Extension or renewal of binder--Approval of director.

Section
58-11-32

Binder provisions do not apply to life or health insurance.

Section
58-11-33

Delivery of policy--Payment of premium--Insured not meeting condition required by insurer.

Section
58-11-34

Insurance of motor vehicle sales contracts, copy of policy delivered to vendee, mortgagor, or pledgor, contents--Inapplicable to inland marine floater policies.

Section
58-11-35

Renewal or extension of policy at option of insurer.

Section
58-11-36

Assignment of policies.

Section
58-11-37

Policy not complying with statutory form--Validity--Construction.

Section
58-11-38

Policy, rider, or endorsement containing condition, omission or provision not in compliance with requirements--Validity--Construction.

Section
58-11-39

Construction of insurance contract--Terms and conditions--Modification by rider, endorsement, or application made part of policy.

Section
58-11-40

Application for life or health insurance as evidence--Annuity contract--Copy made a part of policy--Inapplicable to industrial life policy.

Section
58-11-41

Application for reinstatement or renewal of life or health insurance--Copy requested by insured--Effect of noncompliance by insurer.

Section
58-11-42

Alteration of application for life or health insurance--Written consent of applicant--Insertions by insurer.

Section
58-11-43

Application for insurance other than life or health--Use as evidence--Failure to furnish copy to insured.

Section
58-11-44

Application for insurance or annuity--Statements by insured deemed representations--Omissions, concealment, and incorrect statements preventing recovery.

Section
58-11-44.1

Unanswered questions no basis for denial of recovery unless insurer demanded answers.

Section
58-11-44.2

Requests for information and actions based on applicant's failure to meet insurer's underwriting requirements permissible.

Section
58-11-45

Cancellation and nonrenewal of automobile policy or coverage--Definition of terms.

Section
58-11-45.1

Reporting agencies and persons listed with director.

Section
58-11-45.2

Applicant for liability insurance not to be prejudiced by false reports.

Section
58-11-45.3

Informant to be identified if insurance refused--Violation as misdemeanor.

Section
58-11-46

Notice of cancellation of automobile policy--Reasons for cancellation.

Section
58-11-47

Reasons for cancellation not applicable to automobile policy in effect less than sixty days--Application of notice provisions to policies.

Section
58-11-48

Modification of automobile physical damage coverage not deemed cancellation.

Section
58-11-49

Time for mailing or delivery of notice of cancellation of automobile policy--Provision for statement of reason for cancellation.

Section
58-11-50

Request of insured for reason for cancellation.

Section
58-11-51

Notice of nonrenewal of automobile policy--Time for notice--Exceptions to requirement for notice--Renewal not waiver of grounds for cancellation.

Section
58-11-52

Proof of notice of cancellation or nonrenewal of automobile policy or coverage.

Section
58-11-53

Notice of eligibility for assigned risk plan on cancellation or nonrenewal of automobile liability insurance.

Section
58-11-54

Director or insurer not liable for statements as to reasons for cancellation or refusal of automobile coverage.

Section
58-11-55

Discrimination in issuance or renewal of automobile insurance policy as misdemeanor--Exceptions.

Section
58-11-55.1

Use of age or occupation in determining issuance or renewal of policies.

Section
58-11-55.2

Applicability of § 58-11-55.

Section
58-11-55.3

Promulgation of rules to prevent unfair discrimination.

Section
58-11-56

Repealed.

Section
58-11-57

Assigned risk plan for automobile liability insurance.

Sections
58-11-58 - to 58-11-61

Repealed.

Section
58-11-62

Notice of intent to cease marketing block of business--What constitutes cessation of marketing block of business.

Section
58-11-63

Regulation of form and content of policies, policy forms, standards, and procedures for filings, cancellation, and nonrenewal of policies.

Section
58-11-64

Definition of terms.

Section
58-11-65

Carriers subject to filing requirements.

Section
58-11-66

Filing and director approval required.

Section
58-11-67

Filing requirements--Availability on internet.

Section
58-11-68

Filer to indicate location of each requirement on policy form filing.

Section
58-11-69

Approval or disapproval of filing--Review period.

Section
58-11-70

Correction of deficiencies.

Section
58-11-71

Review of resubmitted filing--Review period.

Section
58-11-72

Resubmitted form not to be disapproved for reasons other than in initial disapproval--Exceptions.

Section
58-11-73

Grossly inadequate filings.

Section
58-11-74

Limitations on director's authority.

Section
58-11-75

Application to existing approved policy forms.

Section
58-11-76

Construction with other time periods.

Section
58-11-77

Appeal of disapproval of rate or policy form filing.